Retail Business Loans
Peak season comes once a year. Running out of stock isn’t an option.
Get $5,000–$10,000,000 to stock inventory, renovate your store, cover payroll through slow seasons, and prepare for peak demand, funded in as little as 24 hours.
Simple, fast, and clear
How Retail Business Financing Works
Retail is one of the few industries where the timing mismatch between spending and earning is built into the calendar. You place inventory orders weeks, sometimes months, before the selling season begins, pay suppliers upfront or on short net terms, and then wait for customers. The capital is gone the moment you place the order and doesn’t come back until the goods have sold, every season, regardless of how well the business is performing. In practice: it’s mid-September and your holiday inventory order needs to go in now, or your best sellers will be out of stock by November. The order is $35,000. Summer sales were solid but that cash has cycled back into operations, and payroll is due next week. The holiday season will more than cover it, but that revenue is still 10 weeks away. The inventory has to be ordered today. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how retail businesses actually operate. A business line of credit revolves: draw to place inventory orders ahead of peak seasons, repay as sales come in, and draw again for the next buying cycle. A business term loan is a lump sum for larger investments such as a store renovation, a fixture overhaul, or the capital to open a second location. Equipment financing upgrades your POS system, refrigeration or specialty display equipment without disrupting operating cash flow.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a store with a proven holiday season can still be declined in September. Banks are not built to underwrite against revenue that arrives in seasonal concentrations, months after the inventory is paid for, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
Retail Financing for Every Situation
The right financing depends on where your store is in the buying cycle.
Stocking Inventory Ahead of Peak Season
Holiday, back-to-school, summer. Every retail business has a peak season, and you have to be stocked before customers arrive. A business line of credit gives your store revolving access to working capital so you can place inventory orders when you need to, not when last season’s sales have finished cycling back through your account. Draw for the buy, repay as you sell, draw again for the next season.
Renovating or Refreshing Your Store
A dated store layout, worn fixtures, or an underwhelming customer experience costs you sales every day. Equipment financing and business term loans give you the capital to refresh your space, covering new displays, updated lighting, a redesigned floor plan or a full renovation, with repayment structured around your revenue rather than a single upfront expense.
Covering Payroll and Operating Costs Through Slow Seasons
Post-holiday January. The mid-summer lull. The slow stretch before back-to-school. Every retail business has periods where foot traffic drops but fixed costs don’t. Working capital or business line of credit bridges those gaps, keeping your staff on payroll and your store operating smoothly until your next strong season arrives.
What Retail Businesses Use Business Loans For
Retail financing is flexible. Here are the most common ways store owners put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Retail businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“I have used SBG Funding to secure a couple of business loans and a business line of credit. I’ve gotten what I needed to sustain my business when I needed it most, and thanks to Sam Shapiro, I just did a refinance and got additional funding to ensure my store stays operating.”
$3B+
Funded since 2017
via Trustpilot
Great company to deal with and very helpful. They stuck with me throughout every step of the way. Trying to get me the best plan that would fit my needs perfectly.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He was quick, diligent, went the extra mile and really cared. Nothing else I could have asked for! I am a very happy customer.
85%
Approval rate
via Better Business Bureau
I spoke with several people before finding the right person who made me feel comfortable and helped me sort through the loans available to me.
A
BBB rating
via Better Business Bureau
He was very communicative and made sure my funds got to me quickly. He really helped me out in a pinch!
4.9
Google rating
via Better Business Bureau
He made me feel comfortable in trusting him and his company would provide me the best product that worked for my company and would continue the relationship throughout the life of the loan, assisting with future options that may evolve as my company progresses.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. Many retail store owners with scores between 500 and 620 have qualified based on strong sales volume and deposit history.
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After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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No. SBG Funding’s retail business loans are unsecured. You are not required to pledge inventory, fixtures, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
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SBG Funding works with a wide range of retail businesses, including specialty retail stores, apparel and footwear shops, home goods and furniture retailers, gift and novelty stores, pet supply shops, sporting goods stores, toy and hobby retailers, health and beauty supply stores, and multi-location retail groups. As long as your business meets the basic requirements of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your retail category does not affect eligibility.
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Yes. Inventory purchasing is one of the most common uses of retail business financing. A business line of credit is particularly well-suited. It gives you revolving access to capital for each buying cycle, which you repay as product sells through. This is especially valuable ahead of peak seasons when inventory orders are large and lead times are long.
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Yes. Seasonal revenue is one of the most common profiles we see in retail, and SBG Funding evaluates your full annual revenue history rather than any single month’s cash position. A strong holiday season, consistent annual deposit patterns, and solid overall revenue are the factors that matter most. Many retail businesses specifically use a business line of credit to bridge slow months and repay it during peak season.
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Yes. Store renovations, fixture upgrades, signage, flooring, and layout changes are all eligible uses of retail business financing. A business term loan provides a lump sum to complete your renovation without disrupting operating cash flow or forcing you to delay the project until sales have accumulated.
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Yes. Expanding to a second location is one of the most capital-intensive moves in retail, requiring lease deposits, build-out costs, opening inventory, and enough working capital to carry the new store through its first months. A business term loan provides the lump-sum funding to execute your expansion. Same-day decisions mean you don’t have to wait weeks to move on an opportunity.
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Yes. SBG Funding works with omnichannel retailers, businesses that sell through physical stores, e-commerce platforms, or both. Your total revenue across all channels is what matters. Whether you’re a brick-and-mortar store, a store with an online component, or a primarily online retailer with a physical presence, your combined deposit history is what SBG Funding evaluates.
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Ready to Stock Up and Scale Your Store?
Whether you need to place an inventory order ahead of peak season, renovate your store, cover payroll through a slow stretch, or open a second location, SBG Funding has retail financing options built for how store owners actually operate. Apply online in minutes. No collateral, no hard credit pull, no obligation.